South Dakota vs Washington Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

South Dakota is $60/yr cheaper on average.

Fewer Uninsured

South Dakota has a lower uninsured rate (7.2% vs 15.6%).

Rate & Coverage Comparison

Attribute	South Dakota	Washington
Avg Annual Premium	$1,560	$1,620
Min Liability	$510	$530
Full Coverage	$1,560	$1,620
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	7.2%	15.6%
Registered Vehicles	727,340	6,244,300
Accidents/Year	10,910	93,664
Population	887,000	7,615,000

Minimum Coverage Requirements

South Dakota

25/50 / 25 liability

Washington

25/50 / 10 liability

Premium Comparison

South Dakota$510 – $1,560

Liability: $510Avg: $1,560Full: $1,560

Washington$530 – $1,620

Liability: $530Avg: $1,620Full: $1,620

South DakotaFull rates, age breakdown, requirements →WashingtonFull rates, age breakdown, requirements →

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, South Dakota or Washington?

South Dakota has cheaper car insurance, with an average annual premium of $1,560 compared to $1,620 in Washington - a difference of $60 per year.

How do South Dakota and Washington compare on fault systems?

South Dakota uses a at-fault (tort) system while Washington uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in South Dakota vs Washington?

South Dakota requires 25/50 / 25 liability. Washington requires 25/50 / 10 liability. Minimum liability costs $510/yr in South Dakota and $530/yr in Washington.

Which state has more uninsured drivers, South Dakota or Washington?

Washington has a higher uninsured driver rate at 15.6%, compared to 7.2% in South Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the South Dakota vs Washington insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

South Dakota

Washington

Avg Annual Premium

$1,560

$1,620

Min Liability

$510

$530

Full Coverage

$1,560

$1,620

Fault System

At-Fault (Tort)

Uninsured Rate

7.2%

15.6%

Registered Vehicles

727,340

6,244,300

Accidents/Year

10,910

93,664

Population

887,000

7,615,000